Sending Money Made Easy

Sending Money Made Easy

Introducing Zelle®—a fast, secure, and easy way to send money in minutes1 to friends, family, and others you trust, from the Pacific Premier Personal mobile banking app or by logging in to online banking. Zelle® makes it easy to send money to or receive money from the people you know with a bank account in the U.S. Find Zelle® in your Pacific Premier Personal mobile banking app or in online banking under the Move Money tab.

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EASY
Send money to almost anyone you know and trust1 using just an email address or U.S. mobile phone number.

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SECURE
Send or receive money right from your Pacific Premier Personal mobile banking app or by logging in to online banking.

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FAST
Money goes directly from your account to theirs and is available to spend in minutes.1

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Sending Money Securely

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Only send money to people you know and trust

Fast payment between accounts is one of the biggest benefits of using Zelle®. Just keep in mind that once you send a payment, you cannot cancel it if the recipient is already enrolled with Zelle®. If you are purchasing a product or service from someone using Zelle®, you might not get your money back if you don’t receive what you paid for. So it’s very important to only send money to people you know and trust.

Using Zelle® Safely

Don’t fall prey to payment scams

Transactions such as buying items from online bidding or sales sites are potentially high risk, especially if you don’t know or trust the seller. Neither Pacific Premier Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®—for example, if you do not receive the item you paid for or the item is not as described or as you expected. Always be wary of that deal that seems too good to be true. Remember that Pacific Premier Bank will NEVER call you to share any of your personal information over the phone. If someone calls you claiming to be from Pacific Premier Bank and asks you for any of these details, hang up and call us directly at 888.388.5433.

Security and Safety Tips

While paying other people with Zelle® is convenient, it’s important to remain vigilant and follow basic steps to help protect yourself and your money:

  • Think of Zelle® like you think of cash.
  • Once you send cash to someone who you shouldn’t trust, you can’t get it back.
  • Once you send money with Zelle®, you can’t cancel the transaction if the person you sent money to has already enrolled with Zelle®.
  • Always check to be sure you have the right phone number and email address that your trusted contacts used to enroll in Zelle® before you submit your payment to them.
  • For more information about protecting your money and identity, visit our Cybersecurity page.

Zelle® FAQs

1. What is Zelle®?

Zelle® is a convenient way to send and receive money with friends, family and others you trust through our mobile app or online banking.  All you need is the recipient’s email address or U.S. mobile number, and money will be available to use in minutes1 if they’re already enrolled with Zelle®. Your account information and activity stay private.

2. Who can I send money to with Zelle®?

You can send money to friends, family, and others you trust.1

Since money is sent directly from your bank account to another person’s bank account within minutes,1 it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.

3. How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into your mobile banking app and select “Send Money with Zelle®” or log in to online banking and select “Zelle” from the Move Money tab. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send with an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1,2

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.1,2

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

4. Someone sent me money with Zelle®, How do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Pacific Premier Bank account, typically within minutes.1

If you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Pacific Premier Bank.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification—you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.

5. What types of payments can I make with Zelle®?

Zelle® is a great way to send money to friends, family, and people you are familiar with such as your personal trainer, babysitter, or neighbor.1

Since money is sent directly from your bank account to another person’s bank account within minutes,1 Zelle® should only be used to send money to people you trust.

Neither Pacific Premier Bank, nor Zelle®  offers a protection program for any authorized payments made with Zelle®—for example, if you do not receive the item you paid for or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email or U.S. mobile number when sending money.

6. How do I get started?

It’s easy. Zelle® is already available in your mobile banking app and in online banking! Check your app or online banking and follow a few simple steps to enroll with Zelle® today.

7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle in order to send and receive money. The list of participating banks and credit unions is always growing. You can find the updated list of participating banks and credit unions live with Zelle at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

8. How does Zelle® work?

When you enroll with Zelle® through your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared—those stay with Pacific Premier Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.

9. Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

10. Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, call our customer support team at 888.388.5433 team so we can help you.

11. How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.1

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.1

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Call our customer support team at 888.388.5433 so we can help you.

12. Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

13. Is my information secure?

Keeping your money and information secure is a top priority for Pacific Premier Bank. When you use Zelle® with our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.

14. I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Pacific Premier Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®—for example, if you do not receive the item you paid for or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email or U.S. mobile number when sending money.

15. What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team at 888.388.5433 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your Pacific Premier Bank account so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your account at Pacific Premier Bank so you can start sending and receiving money with Zelle®.

16. Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your mobile banking app or online banking using just their email address or U.S. mobile number.

Neither Pacific Premier Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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Getting Started is Easy

From Online Banking:

  1. Log into online banking at ppbi.com
  2. Select Zelle® from the Move Money tab.
  3. Acknowledge you have read the Zelle® Service Agreement and Disclosure.
  4. Select which account(s) you would like to enroll.
  5. Send money to friends, family, and others you know and trust.

From the Mobile Banking App:

  1. Log into the Pacific Premier Bank app.
  2. Select "+" icon at the bottom of the app, and then select Zelle®.
  3. Enroll your U.S. mobile number or email address.
  4. Send money to friends, family, and others you know and trust.

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Need Help or Have Questions?
Contact our Client Services team at 855.343.4070, M - F 7:00 a.m. - 6:00 p.m. PT and Saturdays 9:00 a.m. - 1:00 p.m. PT.

1To send or receive money with Zelle, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.